The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$31,285
−HK$1,961/mo
▼ 0.25% · 3.875%
HK$32,258
−HK$988/mo
Today · 4.125%
HK$33,246
baseline
▲ 0.50% · 4.625%
HK$35,269
+HK$2,023/mo
Deposit HK$6.86M · loan HK$6.86M · min. income ≈ HK$66,492/mo (50% DSR)
Upfront cash ≈ HK$7.37M (deposit + AVD stamp duty HK$514,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,804
−HK$1,880/mo
▼ 0.25% · 3.875%
HK$35,737
−HK$947/mo
Today · 4.125%
HK$36,684
baseline
▲ 0.50% · 4.625%
HK$38,618
+HK$1,934/mo
Deposit HK$6.86M · loan HK$6.86M · min. income ≈ HK$73,368/mo (50% DSR)
Upfront cash ≈ HK$7.37M (deposit + AVD stamp duty HK$514,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,541
−HK$2,355/mo
▼ 0.25% · 3.875%
HK$38,709
−HK$1,187/mo
Today · 4.125%
HK$39,896
baseline
▲ 0.50% · 4.625%
HK$42,323
+HK$2,427/mo
Deposit HK$5.49M · loan HK$8.23M · min. income ≈ HK$79,792/mo (50% DSR)
Upfront cash ≈ HK$6.00M (deposit + AVD stamp duty HK$514,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,765
−HK$2,256/mo
▼ 0.25% · 3.875%
HK$42,885
−HK$1,136/mo
Today · 4.125%
HK$44,021
baseline
▲ 0.50% · 4.625%
HK$46,341
+HK$2,320/mo
Deposit HK$5.49M · loan HK$8.23M · min. income ≈ HK$88,042/mo (50% DSR)
Upfront cash ≈ HK$6.00M (deposit + AVD stamp duty HK$514,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,798
−HK$2,747/mo
▼ 0.25% · 3.875%
HK$45,161
−HK$1,384/mo
Today · 4.125%
HK$46,545
baseline
▲ 0.50% · 4.625%
HK$49,377
+HK$2,832/mo
Deposit HK$4.12M · loan HK$9.60M · min. income ≈ HK$93,090/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$514,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,725
−HK$2,633/mo
▼ 0.25% · 3.875%
HK$50,032
−HK$1,326/mo
Today · 4.125%
HK$51,358
baseline
▲ 0.50% · 4.625%
HK$54,065
+HK$2,707/mo
Deposit HK$4.12M · loan HK$9.60M · min. income ≈ HK$102,716/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$514,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,312
−HK$3,531/mo
▼ 0.25% · 3.875%
HK$58,064
−HK$1,779/mo
Today · 4.125%
HK$59,843
baseline
▲ 0.50% · 4.625%
HK$63,485
+HK$3,642/mo
Deposit HK$1.37M · loan HK$12.35M · min. income ≈ HK$119,686/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$514,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,647
−HK$3,384/mo
▼ 0.25% · 3.875%
HK$64,327
−HK$1,704/mo
Today · 4.125%
HK$66,031
baseline
▲ 0.50% · 4.625%
HK$69,512
+HK$3,481/mo
Deposit HK$1.37M · loan HK$12.35M · min. income ≈ HK$132,062/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$514,491 · Scale 2, in force from 26 Feb 2026)